Instant Property Analysis - Larry Goins Style

Im studying Larry Goins’ book - Real Estate Day Trading and came across his Instant Property Analysis method. It’s basically a quick analysis you run while interviewing a seller by phone so you can make that quick offer. The following is an example of an Instant Property Analysis:

After Repair Value: $100,000
Investment value (70% of $100,000): $70,000
Hard money closing costs (4% of $70,000): ($2,800) $67,200
Taxes, insurance, attorney fees: ($2,250) $64,950
Repair costs: ($15,000) $49,950
Advance expenses and extra closing costs: ($2,400) $47,550
Day traders fee (10% of $100,00): ($10,000)
Maximum Allowable price: $37,550
First offer ($37,550 - 15%): $31,917

Now I have several questions:

#1: According to his book, he automatically inputs $2250 for all his offers reference the Taxes, insurance, attorney costs. Ofcourse that is based in his area. Does anyone know how I can figure out what those costs are in my area so that I can factor it in the formula?

#2: Hard money closing costs. Is 4% the typical average safe enough to factor in an analysis in any area?

#3: Advance expenses and closing costs (usually appraisals, title search, home inspection if house is in very bad condition). He mentions if he’s doing a physical close instead of an assigment, option, or simultaneous closing, he would have to account for extra closing costs. How can I account for extra closing costs in my case? How can I ballpark figure extra closing costs to do this quick instant property analysis?

#4: Last question. PLEASE share your thoughts,opinions, comments, reference this instant property analysis, I’d like to know if there are other better, easier ways, to make that instant offer by phone, and if you have anything better, please do share. Thank you.

  1. When you’re speaking to the seller, just ask what the taxes are for his property and what he pays for insurance. Houses that are in flood zone and hurricane areas will have higher insurance rates. Attorneys cost I factor in usually $1k.

  2. Hard money varies. Lenders I have used charged anywhere from 3-5 points.

  3. I usually factor in 3% of the ARV for this.

  4. Some investors use the formula ARV x 70% - Repairs - Your Fee = Max Allowable Offer; I use 65% especially when I ma using hard money.

Good luck.

Okay so whats the difference between making an offer based on the above analysis and an offer based on the ARV * 70% - Repairs - Fee = MAO formula? Im not sure which formula I should base my offers on

Larry’s formula is very conservative which is fine. On your example you’re offer comes out to 32% of ARV. The other formulas MAO comes out to 40-45% of ARV.

Since you’re looking to wholesale the houses, I would suggest that you speak to several rehabbers and find out their purchase criteria since they will be the ones to buy the properties you find and tie up. If you find an investor who would be willing to buy at 45% of ARV, then you know if you can tie up properties for under that percentage you’re making money.